We have lived and breathed digital technology for over 15 years and we’re proud of our success in helping the financial world work simpler, smarter, safer.

Our pedigree and heritage

At the beating heart of the digital agenda, bringing financial service providers closer to their customers

Trusted by major financial services providers for our security, performance and reliability, we’ve been expert in keeping our customers in sync with the fast-moving technology and social revolution for over 15 years.

Right from the start we’ve led the way in thought and deed, creating innovative online and mobile banking solutions, founding The Digital Banking Club to share industry-steering opinion, and becoming the only software company accredited by the Fairbanking Foundation.


Experts in innovation

Solving security, performance, and reliability for over 15 years, and managing the complexity of a truly omnichannel financial services platform.


A history of technology FIRSTS

Creating innovative and secure mobile and online solutions for major banks, specialist finance companies, and digital-only providers.


The highest calibre partners

Including the world’s 3 largest credit card issuers, major back-office ‘core’ banking platforms, and credit bureaus.


Trusted market leadership

We’re relied on by international household names and we’re the UK leader for banks and credit card companies.


Wide recognition as a thought leader

We founded The Digital Banking Club, which has 1000s of members from over 450 organisations across 6 continents.


Fairbanking Foundation accredited

Everything we do is Fairbanking Foundation-ready, bringing you closer to your own accreditation.

First for innovation

Continuous groundbreaking development and success


World’s FIRST IoT banking platform

Connecting bank accounts with smart devices like the Nest Thermostat heating control and the wearable Pavlock that alerts on overspend


FIRST truly multi-channel solution

Enabling everyday tasks to be done seamlessly on any device, simply and intuitively.


World’s FIRST Emoji passcode

Allowing customers to log into their financial services app using only emojis.


UK’s FIRST transactional mobile banking solution

Working with Orange and Barclaycard.


FIRST online credit card

Solution in the UK market.


FIRST smartwatch banking app

On the Pebble Watch and Google Glass.

Intelligent Environments Hackathon

Our Hackathons are a key part of our ongoing innovation programme, allowing teams from across the company to solve real situations faced by financial services organisations. Watch a video of our latest Hackathon. Read the text version

Our culture

Trusted, enthusiastic, creative

We’re passionate about the importance of digital for Financial Services providers. It’s what drives us. It’s what keeps us at the forefront of the digital financial services field, committed to excellence, dedicated to continuous innovation, and constantly striving to exceed expectations.

With the right people, the right structure, and the right attitude, we define our success by our clients’ success – today, tomorrow and beyond.

If you’re passionate about what you do and have what it takes to make a real difference join our team!

Our leadership team

David Webber

Managing Director

David joined Intelligent Environments in 2012, bringing over 15 years hands-on experience of the financial services software industry. He is responsible for the day-to-day running of the company, working closely with all divisions of the business to effectively determine and define the organisation’s overall strategy, strategic partnerships and global sales and marketing activities. Read full bio
Rami Cassis

Non-Executive Director

Rami is the founder and Managing Partner of Parabellum, the fund GP which owns Intelligent Environments & Parseq, and is a Non-Executive Director on both boards. Prior to founding Parabellum, Rami was the CEO and founder of Parseq plc. Under his leadership Parseq plc. was awarded numerous accolades by Fast Track, which were published in the Sunday Times including Profit Track 100, Buyout Track 100 and Technology Track 100. Read full bio
Pieter Hooft

Non-Executive Director

Pieter is a Non-Executive Director of Intelligent Environments and is a co-founder of Cadence Equity Partners which is focused on investing in UK growth companies in the applied technology sector. Read full bio
Jamie Szpiro

Non-Executive Director

Jamie is a Non-Executive Director of Intelligent Environments and is a co-founder of Cadence Equity Partners which is focused on investing in UK growth companies in the applied technology sector. Read full bio
Clayton Locke

Chief Technology Officer

Clayton joined Intelligent Environments in 2012, taking charge of the company’s technology team. He brings over 30 years’ experience in the software development and consulting industry. He has delivered innovative products and solutions to clients in the financial services and telecommunications sectors, including online banking, FX trading, enterprise architecture and mobile application development. Read full bio
Jerry Mulle

Sales and Marketing Director

Jerry has almost 30 years’ experience of working in the financial services market. He started his career in banking, working at NatWest and then RBS in product and marketing roles across the Retail and Corporate bank before moving to the Cards division where he ended up heading the Commercial cards division and the E-Commerce team. Read full bio
Simon Cadbury

Director of Strategy and Innovation

Simon is a product marketer and strategist with 18 years’ experience working for a range of major international brands. Simon’s role is to work with Intelligent Environments’ investors to set and deliver the company’s mid and long term strategy, as well as overall responsibility for the product development and management of Interact; the company’s core product offering. Read full bio
Anne Tait

HR Director

Anne joined Intelligent Environments in 2014 as HR Director. She brings over 20 years of experience working in senior HR positions across a variety of sectors and brings extensive knowledge of employment law, resourcing and talent management. Read full bio
Martin Chard

Chief Financial Officer

Having spent time running a consulting business advising marketing and technology companies, Martin joined Intelligent Environments in 2016 as Chief Financial Officer where his responsibilities include financial and commercial management. Martin is a Chartered Accountant starting his career at KPMG. Read full bio
Philip Andrew

Client Delivery Director

Phil is a highly experienced senior manager with over 20 years experience of successful consultancy and programme delivery. Phil has responsibility for the customer delivery teams working in close partnership with the technology team. He has deep understanding of the Intelligent Environment solutions and how best to implement successful programmes across a variety of verticals with an omni-channel solution. Read full bio